But your terminal shouldn't be accessing any files; you just need to be able to launch /bin/zsh or whatever you use as your shell. The shell needs to be able to access files, but its container doesn't.
Of course, you could go farther. For example, on OpenBSD, even /bin/ksh has been somewhat sandboxed; it can see most of the file system, but the things it can do have been limited:
But your terminal shouldn't be accessing any files; you just need to be able to launch /bin/zsh or whatever you use as your shell. The shell needs to be able to access files, but its container doesn't.
Of course, you could go farther. For example, on OpenBSD, even /bin/ksh has been somewhat sandboxed; it can see most of the file system, but the things it can do have been limited: